Mortgage payment & cash-needed calculator
Purchase or remortgage. Live LTV, repayment or interest-only, arrangement fee on the loan or from cash, and an optional England & Northern Ireland SDLT or Wales LTT estimate.
Open the calculatorTools first, then a conversation
Property money tools for your mortgage and protection picture
Run the numbers in private, see what cash and cover might look like, then talk them through with a person — if you want to. These figures are illustrative. They are not advice and not a personal recommendation.
Two flagship tools
Start with the picture, not a brochure
Are you and your family unprotected?
A quick check of personal, family (incl. FIB), business and home cover against illustrative targets — see possible gaps and cost ballparks, then decide if a conversation helps. Not advice.
Check your cover
Property Money Limited
Company 13139726. A UK company site for tools and enquiries — not a regulated firm.
Not advice
Illustrations only. A conversation with a regulated adviser is a separate step if you want one.
Your data, your say
Marketing is opt-in and unticked. We use your details to reply when you ask us to.
Enquire
Want a person to look at the numbers with you?
Send a short note. Say where you are — buying, remortgaging, or thinking about cover. We will come back to you. This form does not start regulated advice.
Questions
Straight answers before you use the tools
Are these tools financial advice?
No. They produce illustrative figures only. They are not advice and not a personal recommendation. Speaking to a regulated adviser is a separate step.
What does the mortgage calculator show?
Loan size, monthly payment, total interest, how the arrangement fee is treated, LTV, optional England and Northern Ireland SDLT or Wales LTT, and cash needed on day one. It does not check whether a lender would offer that loan.
What does the protection gap analyser show?
It frames a simple question — are you and your family unprotected? — by comparing existing cover with transparent rules of thumb for personal, family (incl. FIB), business and home protection. The formulae are on that page. Illustrative only, not a recommendation of what you should buy.
Is Property Money Limited a regulated firm?
No. Property Money Limited (13139726) is a UK company. This website is a tools and enquiry site. It does not provide regulated advice.
What happens after I enquire or book a call?
We read what you sent, or you pick a time for a conversation. That is a discussion, not a product sale from this website, and not advice generated by the calculators.
Will you add me to a mailing list?
Only if you tick the optional marketing box. It is off unless you switch it on. We still need consent to reply to your enquiry.